Finance & strategy leader who builds, scales, and de-risks -from structuring multi-million-dollar debt facilities to shipping fintech products across 5 countries.
Deep-dives into two career-defining initiatives -Problem, Approach, Outcome, Metrics
A rapidly scaling B2B commerce platform required restructuring its multi-lender credit facility across 5 countries -with misaligned covenants, fragmented investor reporting, and no standardized risk framework.
Designed a unified covenant framework across all lenders. Built automated portfolio monitoring dashboards. Established quarterly investor reporting cadence with full ESG integration. Personally managed all lender relationships.
Zero covenant breaches across entire tenure. Maintained and grew relationships with 7+ institutional investors. Portfolio scaled to $100M+ under management with full regulatory compliance in every jurisdiction.
Bangladesh's largest B2B commerce platform had no automated credit assessment system. Lending decisions were manual, slow, and inconsistent -limiting scale and increasing default risk.
Led a cross-functional team to build an ML-driven credit scoring engine. Integrated transaction history, behavioral data, and financial metrics. Connected scoring output directly to disbursement workflows for real-time decisions.
Transformed SME lending from manual to automated. Recognized with PMI Project Manager of the Year 2023 for exceptional stakeholder management and on-time delivery. System enabled scalable, data-driven credit decisions.
Ranked by seniority · All public LinkedIn recommendations
Targeting roles in financial product management, venture building, and strategic finance across the Nordics. Open to conversations.
| Certification | Issuer | Year |
|---|---|---|
| Certified Scrum Product Owner (CSPO) | Scrum Alliance | 2024 |
| Certified ScrumMaster (CSM) | Scrum Alliance | 2024 |
| Financial Modeling & Valuation Analyst (FMVA) | CFI | 2026 |
| Commercial Banking & Credit Analyst (CBCA) | CFI | 2026 |
| FinTech Industry Professional (FTIP) | CFI | 2026 |
| Executive Education - Product Management | ISB / Emeritus | 2022 |
| Financial Markets | Yale (Prof. Robert Shiller) | 2022 |
| PMP (Project Management Professional) | PMI | In Progress |
| CESGA (Certified ESG Analyst) | EFFAS | In Progress |
Completed Coursework
Software engineering, algorithms, data structures, systems design. Technical foundation enabling fintech product development and effective collaboration with engineering teams.
40+ projects across debt capital, M&A, cross-border finance, and operational leadership.
Full ownership of institutional debt relationship. Monthly covenant reporting, quarterly verifications across 30+ bank accounts. Resolved material Q2 variance. Coordinated Shariah certification and in-person site visits across South Asia and Middle East.
Portfolio cuts reconciliation, MIS mismatch resolution, ESG compliance reporting, and impact reporting for institutional investors.
Collateral-backed overdraft facilities and working capital facilities across multiple commercial banks. Direct negotiation with DMDs and Heads of Wholesale Banking.
Shariah certification coordinated across 3 advisory firms. Managed regulatory and compliance requirements for new facility development.
Product distribution financing with international banking partner. Structured partnership and financial submissions.
Strategic manifesto through 4 iterations. Evaluated multiple regulated financial institutions at various DD stages. Financial analysis, valuation modeling, regulatory pathway analysis, NBO preparation, and integration planning.
New Microcredit Regulatory Authority license. Complete application package, regulatory liaison, compliance documentation.
Targeted significant monthly savings. Working capital optimization, facility restructuring, cash flow timing improvements, and collateral efficiency review.
Multi-year program: bank debt financing, subsidiary-level structures, Commercial Paper with IFC/Guarantco guarantee, off-balance sheet structures.
Pre-merger synergy demonstration for Series C. HoReCa segment micro-factoring/BNPL product with multiple tenor options.
Systematic collection enhancement, legal pathway optimization, and settlement framework development.
VAT/GST optimization, transfer pricing alignment, regulatory compliance enhancement.
Process optimization, cost reduction, and operational efficiency across three verticals.
Multi-party supply chain financing. Structured payment waterfall with milestone-based disbursement.
SBLC-backed structure. Reduced counterparty risk through bank intermediation.
Revolving facility with performance-based limits for large-scale modern trade distributors.
Bai Muajjal (Deferred Payment Sale) and Murabaha (Cost-Plus Financing) development and structuring.
ESG questionnaire management, on-site DD coordination, social impact initiative presentation, sustainability metrics.
Portfolio impact metrics, social outcome measurement, environmental compliance, governance documentation.
Data room management, investor query resolution, financial documentation, commercial DD support.
Portfolio performance analysis, risk metrics, collection efficiency reporting, vintage analysis.
Structured IGPA solution with 160% coverage ratio. Developed alternative security mechanism without NBFI license.
Established threshold criteria, approved legal notices, initiated NI Act cases, developed settlement frameworks.
Discontinued product line reconciliation. Approved Credit/Debit Note approach with proper audit trail.
Cross-BU collection verification across Commodity, CPG, and Enterprise Sales. C-suite escalation and process improvement.
6 product categories tracked across 30,000+ unique customers and 140,000+ tickets.
Maximum caps by AOV tiers, percentage-based limits, KYC requirements, minimum transaction history rules.
Negotiated concentration waiver through comprehensive supplier DD and enhanced monitoring framework.
Company-wide KYC verification, retailer block list management, security infrastructure for linehaul operations.
POS, QR payments, and CASA account expansion for retail network.
Collections integration. Requirements definition, technical coordination, settlement process design.
Capital raising and M&A advisory exploration and evaluation.
End-to-end regional expansion: warehouse development, sales force onboarding, last-mile logistics, SKU pricing.
Outside-Dhaka sales, inside sales, telesales, B2B logistics, and enablers with daily tracking cadence.
Major FMCG partnership with PO-based disbursement. 7-point DD framework for distribution agents.
Comprehensive income statement (2015–2024), ratio analysis, valuation with formula transparency.
Corporate finance modeling with professional accounting standards.
How ShopUp transformed Bangladesh distribution through tech-enabled logistics, embedded finance, and multi-supplier sourcing.
Targeting roles in financial product management, venture building, and strategic finance across the Nordics. Open to conversations.
Published in The Financial Express -Bangladesh's leading English-language financial daily
Books and articles shaping my thinking - updated monthly
Soros's theory of reflexivity - how market participants' biased perceptions shape market fundamentals, creating feedback loops. Directly relevant to understanding credit cycles and portfolio risk.
The definitive guide to startup financing mechanics - term sheets, valuations, and negotiation dynamics. Essential reading for my KTH entrepreneurship coursework and venture building ambitions.
Battle-tested lessons on leading through crisis, making impossible decisions, and building resilient organizations. Resonates deeply with my experience managing through ShopUp's hyper-growth phase.
The dual-system framework for decision-making. System 1 (intuitive) vs System 2 (analytical) - invaluable for understanding biases in credit assessment and investment decisions.
Why great companies fail when disruptive technologies emerge. Shaped my approach to fintech product strategy and understanding why incumbents struggle with embedded finance.
Radical transparency and systematic decision-making at Bridgewater. His frameworks for portfolio construction and risk parity directly influenced my approach to structured credit management.
Building monopolies through vertical innovation rather than horizontal competition. A lens I apply when evaluating venture opportunities in the Nordics fintech ecosystem.
How embedded lending and BNPL are transforming B2B supply chains - the exact thesis behind SILQ's cross-border financing products I helped design.
Development finance institution perspectives on structured credit facilities in frontier markets. Directly relevant to my experience managing DFI relationships.
Market mapping of opportunities in payments, lending, and wealth management across Sweden, Norway, Denmark, and Finland.
Targeting roles in financial product management, venture building, and strategic finance across the Nordics. Open to conversations.
Verified assessments from Alva Labs, Enneagram, MBTI, and DISC
Thrives with clear objectives and freedom to determine methods. Measured on results, not activity.
Naturally connects dots across functions and domains. Decomposes complex problems systematically.
Makes calls when others hesitate. Calm and composed in crises. Develops clear strategies.
Shields direct reports, advocates for their growth. Meritocratic -trust expands based on competence.
Sources: Alva Labs (Logic + Personality), Enneagram, MBTI (TypeFinder), DISC, Big Five · Assessed 2024–2025